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For Companies At a Glance
- Tasks: Underwrite diverse lending proposals and manage a dynamic credit portfolio.
- Company: Growing Credit function in West London with a focus on Corporate & Commercial Real Estate.
- Benefits: Competitive salary, supportive team environment, and opportunities for professional growth.
- Other info: Collaborative culture with senior leadership interaction and career advancement potential.
- Why this job: Join a pivotal role in shaping lending decisions and ensuring compliance in a thriving sector.
- Qualifications: 6-10 years of credit underwriting experience and strong analytical skills required.
The predicted salary is between 50000 - 65000 £ per year.
We are seeking an experienced Corporate & Commercial Real Estate (CRE) Underwriter to join a growing Credit function based in West London. This is a key role responsible for assessing, structuring, and managing a diverse portfolio of corporate, CRE, buy-to-let (BTL), and personal lending proposals.
The Role
Reporting directly to the Chief Credit Officer, you will play a pivotal role in underwriting and executing lending transactions, while ensuring robust risk management and regulatory compliance.
Key Responsibilities
- Underwrite Corporate, CRE, personal, and BTL loan applications, ensuring effective execution of transactions.
- Assess and process lending proposals from the business team, including presenting cases to the Credit/Sanctioning Committee.
- Manage end-to-end credit processes, including liaising with clients, introducers, solicitors, and valuation firms.
- Conduct annual reviews of the existing credit portfolio, ensuring compliance with covenants and lending terms.
- Monitor loan portfolios, identifying early warning signs, arrears, or potential problem accounts, and make recommendations.
- Work closely with Originations teams to determine clear rationale for approving or declining applications.
- Present proposals to Risk and other internal committees for new and existing products.
- Ensure all credit decisions meet regulatory standards and align with Treating Customers Fairly (TCF) principles.
- Support the Chief Credit Officer across broader Credit Department activities.
- Undertake site visits where required.
Key Skills & Experience
- ~6-10 years' experience in credit underwriting or assessing lending proposals.
- Strong knowledge of the UK lending environment and regulatory framework.
- Experience across Corporate and Commercial Real Estate lending (essential).
- Proficiency in Microsoft Office.
- Strong analytical and risk assessment skills.
Person Profile
- Able to work independently and collaboratively within a team.
- Strong attention to detail with a diligent and methodical approach.
- Confident communicator with the ability to present complex information clearly.
- Commercially aware, with the ability to balance risk and business objectives.
- Proactive, adaptable, and motivated to take on new challenges.
Key Stakeholder Interaction
- Senior leadership including Chief Credit Officer, Chief Banking Officer, and CEO.
- Business Development teams, Relationship Officers, and Branch Network.
- Credit Committees and internal product and administration teams.
Underwriter (w/m/d) employer: LJ Recruitment Limited
Contact Detail:
LJ Recruitment Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter (w/m/d)
✨Tip Number 1
Network like a pro! Reach out to industry contacts on LinkedIn or attend local events. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to underwriting. We recommend role-playing with a friend to boost your confidence and refine your answers.
✨Tip Number 3
Showcase your expertise! Bring examples of your past work or case studies to interviews. This will help demonstrate your analytical skills and understanding of the lending landscape.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed, and we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Underwriter (w/m/d)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience in corporate and commercial real estate lending, and don’t forget to showcase your analytical skills and attention to detail!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for our team. Mention specific experiences that relate to the key responsibilities listed in the job description.
Showcase Your Regulatory Knowledge: Since this role involves ensuring compliance with regulatory standards, make sure to mention your understanding of the UK lending environment. We want to see that you’re up-to-date with the latest regulations!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get you on our radar quickly!
How to prepare for a job interview at LJ Recruitment Limited
✨Know Your Stuff
Make sure you brush up on your knowledge of the UK lending environment and regulatory framework. Be ready to discuss your experience in Corporate and Commercial Real Estate lending, as this is crucial for the role.
✨Showcase Your Analytical Skills
Prepare to demonstrate your strong analytical and risk assessment skills. You might be asked to assess a hypothetical lending proposal, so practice articulating your thought process clearly and confidently.
✨Communicate Clearly
As a confident communicator, you’ll need to present complex information simply. Practice explaining your previous underwriting experiences and how you’ve managed credit processes to ensure clarity and understanding.
✨Be Proactive and Adaptable
Highlight your proactive approach and adaptability during the interview. Share examples of how you've tackled challenges in past roles, especially when it comes to balancing risk with business objectives.